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Health Insurance Marketplace

Aetna products for individuals and families on public exchanges:
Shop for and buy coverage online.

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Find out where Aetna marketplace plans are available

In 2017, we’re offering plans on the health insurance marketplace, or exchange, in the following states: Delaware, Iowa, Nebraska, and Virginia.

Enrollment in an individual plan for 2016 is closed, unless you qualify for a special enrollment period. Open enrollment for coverage in 2017 begins November 1, 2016, and ends January 31, 2017.

Shop for marketplace health plans

Find out more about exchanges

Health Insurance Marketplace Notices


Different plans, different needs

All plans available in the health insurance marketplace are separated into metal levels. The levels are bronze, silver, gold and platinum.

A plan’s level describes roughly how much you will need to pay for premiums and out-of-pocket costs. The metallic plan levels make finding the right plan easier. They help you understand your costs. For example, a bronze plan will have higher out-of-pocket costs, but a low monthly premium. A platinum plan will have lower out-of-pocket costs, but a higher monthly premium.

There are limits to how much you will pay out of pocket. With any plan, once you have reached this limit, the insurance company pays 100% of your costs for covered care.

Plan type

  Bronze Silver Gold Platinum
% of essential benefit costs covered by plan in a typical year* 60% 70% 80% 90%
Monthly premium Lowest premium costs without sacrificing quality of coverage Balanced plans with lower premiums and average out-of-pocket costs Higher premiums and lower out-of-pocket costs Highest premiums, but very low out-of-pocket costs
Out-of-pocket maximums for all plans Individual plans: $7,150
Family plans: $14,300

*However, the plan may pay a higher or lower percentage of the total costs of covered services for the year, depending on your actual health care needs and the terms of your insurance policy.

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The Affordable Care Act and you

Congress passed the Affordable Care Act (ACA) in 2010. The ACA created guidelines for the public health care marketplace. It also:

  • Requires most people to have health coverage or possibly face a tax penalty
  • Offers some people help to pay for their health coverage
  • Prohibits insurers from denying coverage or charging more based on your health status or pre-existing conditions
  • Requires that most health plans cover preventive services at no charge to you
  • Requires that you receive a summary of your benefits in plain language
  • Allows young adults to stay on their parents' plans until age 26

Find out more about ACA reforms

Learn how to get your Summary of Benefits and Coverage


Aetna Health Plans for Individuals, Families and the Self-Employed are underwritten by Aetna Life Insurance Company. Aetna Health Plans (HMO) are underwritten by Aetna Health Inc. (“Aetna” refers to Aetna Life Insurance Company and/or Aetna Health Inc.). In some states, individuals may qualify as a business group of one and may be eligible for guaranteed issue, small group health plans.

This material is for information only.  Health benefits and health insurance plans contain exclusions and limitations.  Information is believed to be accurate as of the production date; however, it is subject to change.  

Note: This information is not meant as legal or tax advice. Please talk to your legal or tax advisor about any questions. 


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